Savings account rates › People First and Heritage Bank
Dream Fund
People First and Heritage Bank
CDR officialNot ranked in rate tables
A savings account that offers bonus interest in any month your account balance grows (not including interest credits)
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 5.54% | Bonus · $0–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 4.39% | Bonus · $100,000 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.01% | Variable | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/d9772ff5-78d8-46c4-b489-caa0f05d4c98- Content hash
sha256 1bb568923c69003153273da1c35257f0d4cc8a114037288ef00dafbb03401b78- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_1bb568923c690031_c3366e66Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/d9772ff5-78d8-46c4-b489-caa0f05d4c98- Content hash
sha256 1bb568923c69003153273da1c35257f0d4cc8a114037288ef00dafbb03401b78- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Auto Transfer Order Rejection | Transaction | $5.00 |
| Electronic Auto Transfer Order | Transaction | $1.50 |
| Corporate Cheque | Event | $10.00 |
| Direct Debit Dishonour | Event | $5.00 |
| Others | Event | $1.00 |
| Emergency same day transfer | Event | $11.00 |
| Direct Debit Dishonour Fee | Event | $5.00 |
| Frequent Statement Fee | Event | $2.00 |
| Duplicate/replacement Statement | Event | $10.00 |
| Access Token | Event | $20.00 |
| Overdrawn Administration Fee 1 | Event | $25.00 |
| Overdrawn Administration Fee 2 | Event | $25.00 |
| Qucik Debit Dishonour | Event | $5.00 |
| Dormant (inactive fee) | Event | $20.00 |
| Direct Debit Honour | Event | $10.00 |
| Paper Statement Fee | Event | $3.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Npp enabled | Enabled to send and receive Fast Payments. | |
| Npp payid | Use your PayID to get paid fast. PayID can be a mobile number or email address | |
| Digital banking | Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking. | |
| Unlimited txns | BPAY payments, Direct Debits, Internet and Phone Banking transfers. | |
| Other | Bonus Interest | When the closing balance of your account on the last day of the month, excluding any interest credited to your account on that day, is greater than the opening balance of your account for that month, we will pay you bonus interest (this means we will calculate interest at a bonus rate in relation to that month). |
| Relationship management | One to One Relationship Management available | Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs. |
| Eligibility: residency status | Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status. | |
| Eligibility: natural person | Personal Members Only |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $0–$100,000 | 1 Nov 2026 | Current | 5.54% |
| Bonus · $100,000 or more | 1 Nov 2026 | Current | 4.39% |
| Variable | 1 Nov 2026 | Current | 0.01% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
Registered channels
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